I read it the point of the sentence was was to illustrate why the banks are unwilling to lend even more for the green tech retrofitting, since the shipping busi

I read it the point of the sentence was was to illustrate why the banks are unwilling to lend even more for the green tech retrofitting, since the shipping business is troubled and already heavily indebted. The stricter regulations will anyway come in place by 2020-2021. Banks trying to keep risks minimal actually sounds great to me. If you increase the equity, they can take bigger risks, but then again estimating risk is always by definition guesswork and can backfire in disastrous ways (think 2000s subprime crisis).